Trusted by mobile retailers across India

Sell phones on EMI, without the risk.

Online EMI lets your shop finance smartphones with secure device locking, automated reminders and fair, RBI-aligned recovery — so you get paid and customers stay happy.

Any Android
6.0 and above
Reboot-safe
device-owner lock
RBI-aligned
notice + grace
Online EMI
Device secured · EMI active
Features

Everything to finance devices safely

One platform for retailers, distributors and customers — from enrollment to collection to recovery.

Secure device lock

Device-owner grade locking that survives reboots, factory-reset attempts and network loss — the phone stays protected until the EMI clears.

Instant lock & unlock

Lock or release a financed phone in about a second via secure push — the moment a payment is missed, and again the moment it clears.

Social media locking

Freeze Facebook, Instagram, WhatsApp and other apps remotely to nudge a defaulting customer — lifted instantly on payment.

Calling & USB control

Disable outgoing calls and block USB data transfer on demand. Emergency calls always stay available.

Live location & GPS lock

See the device location on demand and force GPS on, so a financed phone can always be traced.

Remote wallpaper & reboot

Push a branded EMI-reminder wallpaper or reboot the device remotely — full control from the retailer app.

Remove screen password

Clear a customer’s forgotten PIN or pattern remotely so a paid-up device is never locked out.

EMI reminders & audio

Automated payment notices plus a spoken “please pay your EMI” voice reminder on the device — fewer defaults, fewer disputes.

Offline SMS lock

Lock or unlock a phone by SMS from the retailer number, even when the device has no internet.

RBI-aligned recovery

Pre-lock notice, grace period and dispute handling built in, plus emergency calls and a night-time no-lock window — fair and compliant.

Retailer dashboard

Track collections, locked vs active devices, keys and shop performance with clear, real-time reports.

One-page WiFi enrollment

Onboard a device from a single screen — scan to install, pair over WiFi, then claim by IMEI QR. No PC, works on any modern Android.

How it works

Live in three steps

No hardware, no paperwork. Turn any Android phone into a financed device.

Enroll the device

From one screen the customer scans a QR to install the app, pairs over WiFi, and you claim the device by its IMEI — done in minutes, no PC.

Set the EMI plan

Add the down payment, tenure and monthly amount. The customer walks out with a working phone.

Collect & protect

Payments are tracked automatically. Miss a due? Notice first, then lock — released instantly on payment.

Become a distributor

Allocate licence keys to retailers across your region and earn on every device financed — with a dedicated distributor app and dashboard to manage it all.

Partner programme · applications reviewed before approval.
Free demo key

Become a Online EMI Retailer

Start selling phones on EMI with zero risk. Fill this in and we'll send you a free demo key on WhatsApp to try it out.

Get the Retailer App

Download the retailer app to enroll and manage devices. The customer app installs automatically on the customer's phone during QR enrollment — no separate download needed.

Android APK · install from a trusted source. Need help? Call support at 8976688672.